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How Much Does Adoption Cost?

Adoption costs can be confusing to navigate because they vary so much by type of adoption and state. For example, foster care adoption is a very low-cost type of adoption in most states. Typically, international and domestic infant adoption have price tags between $20,000 and $40,000, and are dependent on a plethora of factors.

The best way to determine your cost of adoption is to contact us and receive detailed fee information for your location (find your location).

Because the cost of adoption can be a barrier for families who feel called to adoption, we provide the below resources to help fund your adoption.


Sources of Financial Assistance for Adoptions

Adoption Grants

Bethany's own Caring Connection fund provides financial assistance to families committed to adopting children with special placement needs. Email caringconnection@bethany.org to learn more.

HelpUsAdopt.org is a national nonprofit financial assistance program that will provide qualified couples and individuals with grants toward their adoption expenses.

Adoption Loans

The National Council for Adoption (NCFA) offers a loan program to assist families. When a family obtains a loan through the NFCA program, a line of credit is opened that allows the family to pay adoption costs when the amounts are due.

The National Adoption Foundation (NAF) offers loans, a charitable "bonus" annuity investment program, and life insurance programs. NAF was established by adoptive parents who understand the unmet needs adoptive families have for financial support and advocacy.

America's Christian Credit Union (ACCU) requires credit union membership and asks applicants to sign their statement of faith.

Show Hope

Show Hope awards adoption grants to qualified families already in the process of adopting. The size of the grant awarded is determined by several factors, the most important being financial need.

ABBA Fund

The ABBA fund provides financial assistance to Christian couples who need help with adoption expenses. The couple must be committed to raising their children in accordance with Scriptural principles.

Adoption Tax Credits

In recent years, the federal government and several state governments have offered tax credits. It is important to understand the difference between a tax deduction and a tax credit.

  • A tax deduction reduces the amount of income on which the government bases your taxes.
  • A tax credit is the amount deducted from the taxes you owe.

We cannot give tax advice, so be sure to consult your tax advisor about the availability of any government tax credit (state or federal) and how that credit may benefit you.


Other Adoption Grants and Subsidies:

  • Check with your employer about adoption benefits that may be offered through your workplace.
  • If you are an active duty personnel in the military, you can qualify for grants and subsidies toward adoption.
  • Southern Baptist pastors can also qualify for a grant through The Adoption Fund for Ministers.